Sunrise Banks Personal and Small Business Online Banking and Mobile App User Guide

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Personal and Business Digital Banking and Mobile App User Guide

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Published by Murphy & Company, Inc. 13610 Barrett Office Drive

St. Louis, MO 63021 www.mcompany.com

© 2009–2025 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2 Software, Inc.

Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher, nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Getting Started Welcome to Digital Banking with Sunrise Banks! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Digital Banking experience easy and convenient. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Digital Banking process. If you have additional questions, contact us at 651-265-5640.

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Table of Contents Getting Started

New User Enrollment ...................................................................................................9 Logging In.....................................................................................................................11 Logging Off ........................................................................................................................... 12 Resetting a Forgotten Password ...............................................................................13 Home Page Home Page Overview .................................................................................................15 Asset Summary Overview................................................................................................... 17 Account Details Overview ..........................................................................................18 Quick Transfer.............................................................................................................20 Account Nickname......................................................................................................21 Details & Settings........................................................................................................22 Account Grouping.......................................................................................................23 Editing a Group Name......................................................................................................... 24 Deleting a Group.................................................................................................................. 24 Security Protecting Your Information......................................................................................25 General Guidelines .............................................................................................................. 25 Login ID and Password........................................................................................................ 25 Fraud Prevention ................................................................................................................. 25 Security Preferences...................................................................................................26 Change Password ................................................................................................................ 26 Secure Delivery .................................................................................................................... 27 Mobile Security Preferences......................................................................................28 Enabling Touch ID or Fingerprint Login ............................................................................ 28 Enabling Passcode Authentication .................................................................................... 30 Enabling Face ID................................................................................................................... 31 Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login.............. 32 Alerts Overview ...........................................................................................................33 Account Alerts - Next Day ................................................................................................... 34 History Alerts - Next Day..................................................................................................... 35 Online Transaction Alerts - Instantaneous ....................................................................... 36 Security Alerts Overview ............................................................................................37 Editing Delivery Preferences............................................................................................... 37 Real-Time Alerts ..........................................................................................................38 Setting Up Real-Time Alerts ................................................................................................ 38 Enable/Disable Real-Time Alerts ........................................................................................ 39 Edit Real-Time Alerts............................................................................................................ 40 Real-Time Alerts Notification Settings............................................................................... 41

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Enabling and Disabling Push Notifications..............................................................42 Secure Message Overview .........................................................................................43 Sending a Secure Message ........................................................................................44 Transactions Funds Transfer ............................................................................................................45 Loan Payments............................................................................................................47 Adding a Personal External Account ........................................................................49 Verifying a Personal External Account .....................................................................50 View Account Activity Overview ................................................................................51 Using Filters .......................................................................................................................... 52 Creating or Deleting Custom Views Using Favorites ....................................................... 53 Editing Transactions ............................................................................................................ 54 Canceling Transactions ....................................................................................................... 55 Services Stop Payment Request...............................................................................................56 Single Check ......................................................................................................................... 56 Multiple Checks ................................................................................................................... 57 Reordering Checks......................................................................................................58 Credit Score and Report.............................................................................................59 Mobile RDC Enrollment..............................................................................................60 Mobile Deposits ..........................................................................................................61 Quick Balance..............................................................................................................62 To Enable Quick Balance..................................................................................................... 62 To Use Quick Balance.......................................................................................................... 63 Text Enrollment...........................................................................................................64 Address Change Request...........................................................................................66 E-Documents ...............................................................................................................67 Settings Account Preferences ..................................................................................................69 Themes.........................................................................................................................70 Accessibility..................................................................................................................71 Branches and ATMs....................................................................................................72 Card Management Card Management Overview.....................................................................................73 Add a New Card ..........................................................................................................74 To Activate a Card .......................................................................................................75 Card Lock/Unlock........................................................................................................76 Hide/Show Cards ........................................................................................................77 Set Primary Device......................................................................................................78

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Transaction Enrichment.............................................................................................79 Card Details .................................................................................................................80 View Digital Card .................................................................................................................. 80 Spend Insights...................................................................................................................... 81 Card on File........................................................................................................................... 82 Controls & Alerts.........................................................................................................83 Locations............................................................................................................................... 83 Merchant Types.................................................................................................................... 85 Transation Types.................................................................................................................. 86 Spend Limits......................................................................................................................... 87 Alerts ............................................................................................................................88 Location Alerts...................................................................................................................... 89 Merchant Alerts.................................................................................................................... 90 Transaction Type Alerts....................................................................................................... 91 Spend Limit Alerts................................................................................................................ 92 Card Management Recent Transactions..................................................................93 Manage Travel Plans...................................................................................................94 Creating a Travel Plan.......................................................................................................... 94 Editing a Travel Plan ............................................................................................................ 96 Deleting a Travel Plan.......................................................................................................... 97 Report Card Lost/Stolen.............................................................................................98 Set PIN..........................................................................................................................99 User Roles User Roles Overview................................................................................................ 100 Creating, Editing or Copying a User Role .............................................................. 101 Part 1 of 10: Choosing a Transaction to Edit in User Roles.......................................... 102 Part 2 of 10: Establishing Transaction Type Rights....................................................... 103 Part 3 of 10: Approval Limits ........................................................................................... 104 Part 4 of 10: Disabling a Transaction Type .................................................................... 105 Part 5 of 10: Allowed Actions .......................................................................................... 106 Part 6 of 10: Enabling Operation Rights......................................................................... 107 Part 7 of 10: Choosing the Maximum Draft Amount.................................................... 108 Part 8 of 10: Selecting Subsidiaries................................................................................. 108 Part 9 of 10: Enabling Allowed Accounts........................................................................ 109 Part 10 of 10: Choosing Drafting Hours ......................................................................... 110 User Role Policy Tester..................................................................................................... 111 Deleting Allowed Actions ................................................................................................. 113 Establishing Rights to Access Features........................................................................... 114 Establishing Rights to Access Accounts.......................................................................... 115 Deleting a User Role ................................................................................................ 116

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User Management Users Overview ........................................................................................................ 117 User Management Overview........................................................................................... 118 Adding a New User .......................................................................................................... 119 Editing a User ........................................................................................................... 120 Deleting a User......................................................................................................... 121 Personal Bill Pay Bill Pay Overview ..................................................................................................... 122 Creating a Payee ............................................................................................................... 122 Editing a Payee .................................................................................................................. 124 Deleting a Payee ............................................................................................................... 125 Making a Single Payment........................................................................................ 126 Paying Multiple Bills................................................................................................. 127 Payment Activity....................................................................................................... 128 Cancel a Pending Payment ..................................................................................... 129 Personal Full Bill Pay Bill Pay Overview...................................................................................................... 130 Hiding or Unhiding Payees from Payment Screen ....................................................... 132 Hide a Payee...................................................................................................................... 132 Unhide a Payee ................................................................................................................. 132 Creating a Payee Overview ..................................................................................... 133 Creating a Payee: Company.................................................................................... 134 For a Known Payee ........................................................................................................... 135 For an Unknown Payee .................................................................................................... 136 Creating a Payee: Person ........................................................................................ 137 Part 1 of 3: Choosing Payee and Payment Method ...................................................... 137 Part 2 of 3: Adding Payee Information........................................................................... 138 Part 3 of 3: Keyword (Email/Text Only) and One-Time Activation Code .................... 139 Editing a Payee ......................................................................................................... 140 Deleting a Payee ...................................................................................................... 141 Scheduling Payments .............................................................................................. 142 Rush Delivery............................................................................................................ 143 Recurring Payments ................................................................................................ 145 Editing Payments ..................................................................................................... 147 Skipping Payments .................................................................................................. 149 Deleting Payments................................................................................................... 150 Setting Up eBills ....................................................................................................... 151 Adding an Account................................................................................................... 152 Editing an Account ................................................................................................... 153

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Deleting an Account ................................................................................................ 154 Editing Alerts ............................................................................................................ 155 Categories................................................................................................................. 156 Editing a Category.................................................................................................... 157 Deleting a Category ................................................................................................. 158 GiftPay Overview...................................................................................................... 159 Creating a Recipient: Gift Check............................................................................. 160 Creating a Recipient: Donation .............................................................................. 162 Sending a Gift ........................................................................................................... 164 Sending a Donation ................................................................................................. 166 Editing a Gift or Donation Recipient ...................................................................... 168 Deleting a Gift or Donation Recipient.................................................................... 169 Editing a Pending Gift or Donation........................................................................ 171 Deleting a Pending Gift or Donation ..................................................................... 173 Personal Financial Management Initial Setup............................................................................................................... 175 Linking an Account............................................................................................................ 175 Unlinking an Account ....................................................................................................... 176 Categorizing Transactions ............................................................................................... 177 Splitting a Transaction...................................................................................................... 178 Online Banking Home Page.................................................................................... 179 Spending Overview........................................................................................................... 180 Spending: Recategorizing a Transaction........................................................................ 181 Budgets Overview............................................................................................................. 183 Auto-generated Budgets.................................................................................................. 184 Budgets From Scratch ...................................................................................................... 184 Editing or Deleting a Budget............................................................................................ 185 Managing Budgets............................................................................................................ 186 Trends Overview ............................................................................................................... 187 Cash Flow Overview.......................................................................................................... 188 Adding a Suggested Cash Event...................................................................................... 189 Creating Your Own Cash Event ....................................................................................... 190 Editing, Deleting or Skipping a Cash Event .................................................................... 192 Net Worth Overview ......................................................................................................... 193 Debts Overview................................................................................................................. 194

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Getting Started New User Enrollment

If you’re new to Digital Banking with Sunrise Banks, you need to complete the enrollment process the first time you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type sunrisebanks.com into your browser, click the Log In button and click the “Enroll in Digital Banking” link. 2. Click the Personal Banking or Business Banking button. 3. Fill out the Digital Banking Enrollment Form with the required information and click the Continue button.

Note: The details you provide are verified by comparing them to your contact information in our system. If the information does not match, call us at 651-265-5640 to update your profile.

4. A confirmation message appears. Click the Continue button to proceed. 5. Choose the contact method that allows Sunrise Banks to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. 6. Enter the SAC and click the Submit button. Never share your SAC code with anyone. 7. Set your new password by entering a new password and confirming the new password. 8. A view-only profile page appears. Review the information and click the Submit button. 9. Review the Digital Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions.

Getting Started: New User Enrollment

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10. Choose whether to register your device for future logins. If you click the Register Device button, you will never need to request SACs from that device.

Note: For additional security, we strongly suggest you do not register your devices. Not registering requires you to use a SAC each time you log in.

11. Congratulations! You have successfully logged in to Digital Banking! If you have any questions or concerns, call us at 651-265-5640.

Getting Started: New User Enrollment

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your login ID and password. If you are using a browser you have not previously registered, you need to request a SAC.

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1. Enter your login ID and password. 2. Click the Log In button.

Note: If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 651-265-5640 for assistance.

Getting Started: Logging In

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Logging Off For your security, you should always log off when you finish your Digital Banking session. We may also log you off due to inactivity.

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1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

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Getting Started Resetting a Forgotten Password

If you forget your password, you can easily reestablish a new one from the Sunrise Banks Home page—no need to call us!

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1. Enter your login ID. 2. Click the “Forgot Password” link. 3. Enter your login ID and click the Submit button.

Note: You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered browser.

Getting Started: Resetting a Forgotten Password

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4. Choose the contact method that allows Sunrise Banks to reach you immediately with a six-digit SAC. 5. Enter the SAC and click the Submit button. 6. Create a new password based on our password requirements, and click the Submit button when you are finished.

Getting Started: Resetting a Forgotten Password

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Home Page Home Page Overview

After logging in, you are taken directly to the Home page. Here you can view the balances in both your linked and Sunrise Banks accounts, see your account summaries and more! G

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Note: The letters correspond to several available features on the Dashboard.

Home Page: Home Page Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Digital Banking features by selecting the appropriate drop-down tab. B. Your Sunrise Banks accounts and linked external accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. F. If you click and hold an account card, you can drag and drop it to a new location to change the order in which your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different Digital Banking features.

Home Page: Home Page Overview

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Asset Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to the Asset Summary graphic on the Home page. This interactive chart represents your total assets, represented by specific colors and percentages.

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A. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. B. Each colored piece represents one of your Sunrise Banks or linked accounts and displays its percentage of total funds and its balance. C. Clicking "Next" or "Previous" lets you view different accounts and details. D. You can click the "View Transactions" link for more information.

Home Page: Home Page Overview

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Home Page Account Details Overview

Selecting a Sunrise Banks account on the Home page takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances so you stay organized and on top of your finances.

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Home Page: Account Details Overview

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A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances for that account are displayed in the top right corner. C. The icon opens the search bar to find transactions in that account. D. Transactions can be sorted by date, time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 20 for additional details.) F. Export your transactions into a different format by clicking the icon. G. The icon lets you print a list of transactions, send a secure message about that account or dispute a transaction. H. The icon indicates how the Date, Description and Amount columns are sorted. I. You can view more details about a transaction by clicking on it. J. The icon lets you toggle details, change category, split transaction, send a secure message about that transaction or print details about it.

Home Page: Account Details Overview

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Home Page Quick Transfer

No need to run to a branch to move money from one account to another. If you’re ever in a rush, the Quick Transfer option is a simple and fast way to make transactions.

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1. Click the

icon on the right side of an account card and select Quick

Transfer. 2. Use the drop-downs to select the “From” and “To” accounts. 3. Enter an amount to transfer. 4. Select a transfer date. 5. (Optional) Click the Advanced Options button to create a recurring transfer. 6. Click the Transfer Funds button when you are finished.

Home Page: Quick Transfer

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Home Page Account Nickname

Change an account’s nickname directly from the Home page.

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1. Click the

icon on the right side of an account card and select Nickname

Account. 2. Enter a new account nickname. 3. Click the Save button when you are finished.

Home Page: Account Nickname

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Home Page Details & Settings

View additional details about an account and change the account’s visibility.

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1. Click the 2. Click the

icon on the right side of an account card and select View Details.

icon to edit the display name. 3. Use the toggles to decide whether or not your account is visible on the Home page and within Financial Tools. 4. Click the “Settings” link to enroll in text banking. Go to page 64 for more information.

Home Page: Details & Settings

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Home Page Account Grouping

You can organize your internal and linked accounts into groups, so the Home page appears in a way that makes sense to you. These groups can always be changed or deleted to meet your needs.

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1. Create a new group by clicking the 2. Use the drop-down to select an account. 3. Enter the group name. 4. Click the Save button.

icon and selecting “Create new group.”

Home Page: Account Grouping

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Editing a Group Name The names of existing groups can be edited in just two easy steps.

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1. Click icon and select “Edit group name.” 2. Enter a new name and click the check mark when you are finished.

Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page.

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1. Remove an account from a group by clicking and holding an account tile and dragging it to another group and dropping it. 2. Click the Yes, delete button to delete the group after removing the last account in the group.

Home Page: Account Grouping

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Security Protecting Your Information

Here at Sunrise Banks, we do everything we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to ensure the safety of your accounts. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Digital Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Digital Banking when you’ve finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials, birthday or any personal information • Change your passwords periodically and never reuse passwords used for other services. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone, by text or through email. • Shred unwanted sensitive documents, including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 651-265-5640.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at Sunrise Banks. We have added various tools to help you better protect your account information. You can add and manage security features in Security Preferences to strengthen your Digital Banking experience.

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Change Password You can change your Digital Banking password at any time. We recommend changing your password regularly and follow our guidelines to create a strong password.

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In the Settings tab, click Security Preferences . 1. Click the Change Password button. 2. Enter your current password. 3. Create a new password. 4. Reenter your new password. 5. Click the Change Password button when you are finished making changes.

Security: Security Preferences

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Secure Delivery Sunrise Banks verifies your identity using Secure Access Codes (SACs), which are numbered codes that are sent to you by email, phone or text. Within Security Preferences, you can make changes to your delivery preferences or add new ways we can contact you.

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In the Settings tab, click Security Preferences . 1. Click the Secure Access Code Delivery button. 2. Make changes to a secure delivery method by clicking the

icon to make

changes, or the icon to delete a secure delivery method. 3. Add a new delivery contact by clicking either the + Add Contact button. 4. Enter your new contact information and click the Save button when you are finished to save your changes. Note: Never share your Secure Access Code (SAC) with anyone. Sunrise Banks staff will never request that you share your Secure Access Code (SAC). If you are asked for your Secure Access Code (SAC), it is fraud. Reach out to Sunrise Banks at 651-265-5640 for assitance.

Security: Security Preferences

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Security Mobile Security Preferences

Within Sunrise Banks’s app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Digital Banking quick and easy, and also add an extra layer of security to your private information while you are on the go! Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login use fingerprint recognition technology, allowing you to perform tasks on your Apple ® or Android™ device with just your fingerprint. With this feature enabled, you can quickly and securely access your accounts using our app! Apple ®

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Sign in to Sunrise Banks’s app and tap the Menu button. In the Settings tab, tap Security Preferences 1. Toggle the Touch ID or Fingerprint Login switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your login ID and password, and tap the Authorize button.

Note: You must have Touch ID or Fingerprint Login enabled on your mobile device before enabling it through our app.

Security: Mobile Security Preferences

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4. Scan your fingerprint. a. Apple ® Device : Place your finger on the Home button to enable Touch ID. b. Android ™ Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Mobile Security Preferences

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Enabling Passcode Authentication Create a passcode within our app to quickly and easily sign in and access your funds while on the go!

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Sign in to Sunrise Banks’s app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Passcode switch from “Off” to “On.” 2. Review the information about using a passcode and tap the Create Passcode button. 3. Create your strong passcode using the keypad. 4. Confirm your passcode using the keypad. 5. Enter your login ID and password, and tap the Authorize button.

Security: Mobile Security Preferences

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Enabling Face ID Face ID is a feature that utilizes facial recognition technology, allowing you to unlock your Apple® device with your face instead of a login ID and password.

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Open Sunrise Banks’s app and tap the Biometrics button. 1. Review the information about using Face ID and tap the Enroll Now button. 2. Enter your login ID and password, and tap the Authorize button. 3. Face ID is now set up. You can now tap the Face ID button to log in.

Note: You must have Face ID enabled on your mobile device before enabling it through our app.

Security: Mobile Security Preferences

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Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login You can disable Passcode Authentication, Fingerprint or Facial Recognition Login if you no longer prefer to utilize them. When all features are disabled, you can sign in to your Digital Banking using your user ID and password.

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Sign in to Sunrise Banks’s app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Passcode , Face/Touch ID or Fingerprint Login switch from “On” to “Off.” 2. Tap the Yes button to disable the feature.

Security: Mobile Security Preferences

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Security Alerts Overview

Having peace of mind is critical when it comes to your Digital Banking experience. When you create an alert through Digital Banking, you specify the conditions that trigger that alert, so you stay on top of what’s important to you.

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In the Settings tab, click Alerts & Notifications . A. The "New Alert" drop-down lets you create an account, history, online transaction or reminder alert. B. The icon allows you to collapse or expand alert details for each category. C. Toggling the switch turns an alert on or off without deleting it. D. The "Edit & Enable" link lets you make changes to existing alerts.

Note: All alerts are automatically sent through secure messages but you can also choose to receive them by text message, voice call, or email.

Security: Alerts Overview

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Account Alerts - Next Day There should be no surprises when it comes to your finances. Account Alerts can notify you when the balances in your accounts go below or above a set amount.

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In the Settings tab, click Alerts & Notifications . 1. Use the “New Alert” drop-down and select “Account Alert - Next Day.” 2. Use the drop-down to select an account. 3. Use the drop-down to select an account balance type. 4. Select a comparison. 5. Enter an amount. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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History Alerts - Next Day If you’re ever concerned about amount limits or pending checks, you can create History Alerts to contact you when a check number posts or transactions meet a chosen amount.

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In the Settings tab, click Alerts & Notifications . 1. Click the “New Alert” drop-down and select “History Alert - Next Day.” 2. Select a transaction type. 3. Select a comparison. These options vary depending on the chosen transaction type. 4. Enter an amount. 5. Use the drop-down to select an account. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Online Transaction Alerts - Instantaneous Different types of transactions can occur in your accounts. By creating Online Transaction Alerts, you can be notified when various transfers, payments or debits post to your account.

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In the Settings tab, click Alerts & Notifications . 1. Click the “New Alert” drop-down and select “Online Transaction Alert - Instantaneous.” 2. Use the drop-down to select a transaction type. 3. Use the drop-down to select an account. 4. Use the drop-down to select a status. 5. Select a delivery method and enter the corresponding information. 6. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Security Security Alerts Overview

We want you to feel confident while using Digital Banking. To help you feel safe and in control, Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur.

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In the Settings tab, click Alerts & Notifications , then Security Alerts . A. Toggling the switch turns an alert on or off without deleting it.

Editing Delivery Preferences When a trigger occurs, Security Alerts are always sent to you through secure messages. You can add additional delivery methods to notify you about your accounts wherever you are. In the Settings tab, click Alerts & Notifications , then Security Alerts . 1. Click the “Edit Delivery Preferences” link at the top. These changes will apply to all Security Alerts.

2. Enter the information for your preferred delivery method. 3. Click the Save button when you are finished making changes.

Security: Security Alerts Overview

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Security Real-Time Alerts

Get informed of things happening with your account securely and in real time. For example: To prevent yourself from overdrawing your account, set up a real time alert. An alert notifies you either by text or email if your balance falls below a certain limit or if a transaction exceed a specific limit.

Setting Up Real-Time Alerts

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In the Settings tab, click Alerts & Notifications . 1. Click the Manage Account Alerts button.

2. Verify that your contact information is correct and click the Next button. 3. Enter the activation code that was sent to you and click the Activate button. 4. Click the Close button when you are finished.

Security: Real-Time Alerts

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Enable/Disable Real-Time Alerts

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In the Settings tab, click Alerts & Notifications . Then click the Manage Account Alerts button. 1. Use the toggles to enable or disable alerts.

Security: Real-Time Alerts

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Edit Real-Time Alerts

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In the Settings tab, click Alerts & Notifications . Then click the Manage Account Alerts button. 1. Select an alert. 2. Use the toggles to enable an alert for an account. 3. Enter any necessary alert information. 4. Select a notification method. 5. Click the Add button.

Security: Real-Time Alerts

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Real-Time Alerts Notification Settings

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In the Settings tab, click Alerts & Notifications , then click the “Notifications Settings” link. A. Use the drop-down to select a time zone. B. Click the Confirm Now button to confirm notification methods. C. Click the “+ Add” link to add a new notification method.

Security: Real-Time Alerts

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Security Enabling and Disabling Push Notifications Have alerts sent directly to your mobile device as push notifications. Push notifications are completely free to receive and will show up as a banner at the top of your lock screen or in your “notification tray.”

Note: Push Notifications are available for security, reminder, account and transaction alerts.

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A. When you first sign into Sunrise Banks’s digital banking app, you have the option to enable push notifications for alerts by tapping the Allow button. B. To enable or disable push notifications at a later time, in the Alerts tab, tap Push Notifications . 1. Use the Enable Notifications switch to enable or disable push notifications. 2. Tap the respective Alert Settings tab to edit alerts and their delivery preferences. (See Alerts Overview section starting on page 33 for more information.)

Security: Enabling and Disabling Push Notifications

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Security Secure Message Overview

If you have questions about your accounts or need to speak with someone at Sunrise Banks, Secure Messages allows you to communicate directly with a Sunrise Banks account holders service representative. From the Secure Messages page, you can find replies, old messages or create new conversations.

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Click the Messages tab. A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon. D. You can delete multiple messages at once. 1. Click the “Delete multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permanently delete the selected messages.

Security: Secure Message Overview

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Security Sending a Secure Message

Starting a new conversation through Digital Banking is as effortless as sending an email. Unlike an email, you can safely include confidential information relating to your accounts or attach files within a new message.

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Click the Messages tab. 1. Create a new message by clicking the

icon in the top right corner.

2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click the Send message button when you are finished.

Security: Sending a Secure Message

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Transactions Funds Transfer

Use the Funds Transfer feature when you need to make a one-time or recurring transfer between your personal Sunrise Banks accounts. These transactions are processed immediately, so your money is always where you need it to be.

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In the Transfers & Payments tab, click Funds Transfer . 1. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 2. Enter the amount to transfer. 3. (One-Time Transfer Only) Enter the date to process the transaction.

Transactions: Funds Transfer

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4a

4b

4c

5

6

4. If you would like to set up a recurring transfer, follow the steps below. a. Use the drop-down to select a frequency. b. Enter a start date for this transaction using the calendar features. c. Decide if the transfer will repeat forever or have an end date. 5. (Optional) Enter a memo. 6. Click the Transfer Funds button when you are finished.

Note: You can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the View Account Activity.

Transactions: Funds Transfer